Customer Impact Report: Paperless Billing and Payment Programs

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1 Customer Impact Report: Paperless Billing and Payment Programs L. DENNIS SMITH, DIRECTOR CARL LEPPER, INDUSTRY ANALYST A Special Report by J.D. Power July 2013 A Global Marketing Information Company jdpower.com

2 CUSTOMER IMPACT REPORT: PAPERLESS BILLING AND PAYMENT PROGRAMS EXECUTIVE SUMMARY A major business objective of utility executives during the past 10 years has been to motivate customers to utilize paperless billing and payment options. In fact, of the emerging online service channels and options available, few customer-oriented programs have excited utility executives as much as the prospect of getting more customers to view and pay their bills electronically. This is due primarily to the cost savings that may be achieved, as well as the potential to improve customer satisfaction. J.D. Power customer satisfaction studies in the utility industry find that customers are more satisfied when viewing and paying their bills electronically. The industry has been fairly successful on the bill-pay side of the equation, as current J.D. Power data shows that more than half of utility customers pay their bills electronically. However, paperless bill presentment has been more of a challenge. Utilities continue to work hard to migrate customers to paperless billing as they also work to achieve the goal of providing fully paperless transactions. Following are some of the key findings resulting from an analysis of J.D. Power data regarding both business and residential gas and electric utility customers and the best practices of highperforming utilities in the company s satisfaction studies: Electronic billing and payment methods have increased dramatically during the past 5 years after a slower uptick during the prior 10 years. This has occurred for both gas and electric utility customers, who continue to migrate to online and other e-channels to conduct business with their provider. This trend has helped to increase Billing and Payment factor satisfaction scores. Ratings within this factor have increased for a variety of attributes that comprise the billing and payment experience for both gas and electric utility residential customers, including for the variety of methods offered to pay bills. However, utilities must do a better job of presenting information electronically. One downside to the shift to electronic billing is that while ratings for other attributes in the Billing and Payment factor are up, ratings for ease of finding information on the bill are down. To this point, when customers who receive an electronic bill are asked about their preferences for bill presentment, 32% say they would like to get the full bill ed to them, compared with only 19% who currently receive a full bill statement. Utilities need to work harder to get customers registered online if they want to increase paperless billing participation. There is a direct correlation between the number of customers who have registered for an online account and participation in paperless billing programs and electronic payment. In the past 5 years, bill payment at the utility s website appears to have plateaued, while e-payments made at customer banking websites has grown J.D. Power and Associates, McGraw Hill Financial. All Rights Reserved. Reproduction Prohibited. 2

3 CUSTOMER IMPACT REPORT: PAPERLESS BILLING AND PAYMENT PROGRAMS Customer preferences for paying utility bills are higher for electronic channels. Mobile channels are beginning to emerge, but are not on the radar screen yet for most customers, although those who want mobile service will demand this functionality. Customers are more satisfied when using electronic billing and payment programs than when not using such programs. With the exception of a small proportion of customers who receive electronic bills but pay via a paper check (a segment that is being phased out), customers who use paperless billing are the most satisfied. Following are common best practices of high-performing utilities: Offer customers a menu of billing and payment options Typically don t charge customers who pay their bills electronically a convenience fee through a third party, and many of them even offer the ability for fee-free card payments Promote their billing and payment offerings well to their customers, relying on voice of the customer (VOC) information to help present the message The industry has been fairly successful on the bill-pay side of the equation, as current J.D. Power data shows that more than half of utility customers pay their bills electronically J.D. Power and Associates, McGraw Hill Financial. All Rights Reserved. Reproduction Prohibited. 3

4 CUSTOMER IMPACT REPORT: PAPERLESS BILLING AND PAYMENT PROGRAMS Author L. Dennis Smith, Director, Energy Practice, J.D. Power Contributors Carl Lepper, Industry Analyst, Corporate Research, J.D. Power 2013 J.D. Power and Associates, McGraw Hill Financial. All Rights Reserved. Reproduction Prohibited. 28

5 GLOBAL OFFICES AMERICAS Headquarters 2625 Townsgate Road Suite 100 Westlake Village, CA Phone +1 (805) Toll Free +1 (800) Fax +1 (805) Troy, Michigan 320 E. Big Beaver Road Suite 500 Troy, MI Phone +1 (248) Toll Free +1 (888) Fax +1 (248) Orange, California 770 The City Drive South Suite 1100 Orange, CA Phone +1 (714) Toll Free +1 (888) Fax +1 (714) Norwalk, Connecticut 200 Connecticut Avenue, Suite 5A Norwalk, CT Phone +1 (203) Fax +1 (203) Westminster, Colorado Westmoor Drive, Suite 325 Westminster, CO Phone +1 (303) Fax +1 (720) EUROPE München, Germany Oskar-von-Miller Ring München Phone Fax Chicago, Illinois One Prudential Plaza Chicago, IL Phone +1 (312) Washington, D.C G Street NW, Suite 200 Washington, D.C Phone +1 (202) Fax +1 (202) Toronto, Canada 130 King Street West Suite 1309 Toronto, Ontario M5X 1E5 Phone Fax São Paulo, Brazil J.D. Power do Brasil Ave. Brigadeiro Faria Lima andar Pinheiros, São Paulo - SP Brazil Phone Fax Mexico City, Mexico Prol. Paseo de la Reforma 1015 Edificio Punta Santa Fe Piso 17 C.P , México D.F Phone ASIA PACIFIC Tokyo, Japan Toranomon 45 MT Bldg. 8F Toranomon Minato-ku, Tokyo Japan Phone Fax Shanghai, China Suite 1601, Shanghai Kerry Centre 1515 Nanjing West Road JingAn District Shanghai China Phone Fax Beijing, China Suite 1601, 16/F Tower D Beijing CITC A6 Jianguomenwai Avenue Chaoyang District Beijing China Phone Fax Singapore 8 Shenton Way #44-02/03/04 Singapore Phone Fax Bangkok Unit7, 21st Fl., Interchange 21 Building 399 Sukhumvit Road, Klongtoey Nua Wattana, Bangkok Thailand Phone Fax jdpower.com 2013 J.D. Power and Associates, McGraw Hill Financial. All Rights Reserved. Reproduction Prohibited.

6 J.D. Power 2625 Townsgate Road, Suite 100 Westlake Village, CA JDPOWER ( ) A Global Marketing Information Company jdpower.com Los Angeles New York Detroit Boulder Chicago Washington, D.C. Toronto Tokyo Singapore Shanghai Beijing Bangkok Munich Mexico City São Paulo 2013 J.D. Power and Associates, McGraw Hill Financial. All Rights Reserved. Reproduction Prohibited.

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